Spent a month in Italy during which we rented a car from Avis. Paid for the rental using Chase Sapphire which provides car rental coverage as a benefit; however, AVIS mandates that you have the CDW coverage under them. Chase told me in this case the coverage provided by Chase (via Virginia Surety) becomes secondary. One coverage I did decline - which I WISH I HADN"T - is the windshield protection. Unluckily for us, a pebble hit our windshield and created an 8-inch long crack. Upon returning the car at FCO the intake person at AVIS immediately pointed out the windshield crack, but not only that....he pointed out this TINY ding on the rim of the wheel well that wasn't documented when we initially took the car. Ultimately, we were charged $1500 USD for these two repairs!!!! (the windshield being the costlier of the two). So, I submitted a claim to Chase and after a month they replied that I am not covered since I didn't waive the AVIS' CDW coverage. I had to then submit a request for secondary review and had to send a letter explaining that AVIS's CDW was mandatory - I had no option to decline it; therefore, CHASE should kick in as the secondary insurance. It will probably be another month before I hear back and I am just assuming they will find another reason to decline my claim. What a terrible experience so far. Has anyone else experienced this? Any advice? Thanks!
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